M-PESA Charges
These are charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.
The New MPESA Charges 2023 have been designed to comply with the pricing principles of the Central Bank of Kenya, which center on customer centricity, openness and disclosure, justice and equity, choice and competition, and affordability.
Charges for Bank to MPESA have been decreased under the new modifications. All MPESA paybill payments that consumers use to pay utility bills, such as government payments, power, water bills, hospital bills, and similar payments, will also be subject to the MPESA to Bank fees. Charges for MPESA to Bank have also been decreased. Transactions under KES 100 will remain to be rated zero.
Below are M-PESA Tariffs.
| Transaction Range (Kshs) | Â | ||||
| Min | Max | Transfer to other M-PESA users | Transfer to unregistered users | Transfer to other M-PESA users, Pochi La Biashara, and Business Till to customer | Withdrawal from M-PESA Agent |
| 1 | 49 | FREE | N/A | FREE | N/A |
| 50 | 100 | FREE | N/A | FREE | 10 |
| 101 | 500 | 6 | 45 | 6 | 27 |
| 501 | 1,000 | 12 | 49 | 12 | 28 |
| 1,001 | 1,500 | 22 | 59 | 22 | 28 |
| 1,501 | 2,500 | 32 | 74 | 32 | 28 |
| 2,501 | 3,500 | 51 | 112 | 51 | 50 |
| 3,501 | 5,000 | 55 | 135 | 55 | 67 |
| 5,001 | 7,500 | 75 | 166 | 75 | 84 |
| 7,501 | 10,000 | 87 | 205 | 87 | 112 |
| 10,001 | 15,000 | 97 | 265 | 97 | 162 |
| 15,001 | 20,000 | 102 | 288 | 102 | 180 |
| 20,001 | 35,000 | 105 | 309 | 105 | 191 |
| 35,001 | 50,000 | 105 | N/A | 105 | 270 |
| 50,001 | 150,000 | 105 | N/A | 105 | 300 |
| ATM WITHDRAWAL | ||
| Min (Kshs) | Max (Kshs) | M-PESA Charges |
| 200 | 2,500 | 34 |
| 2,501 | 5,000 | 67 |
| 5,001 | 10,000 | 112 |
| 10,001 | 20,000 | 197 |
| Other Transactions | M-PESA Charges |
| All deposits | FREE |
| M-PESA Registration | FREE |
| Buy Airtime through M-PESA | FREE |
| M-PESA balance inquiry | FREE |
| Change M-PESA PIN | FREE |
M-PESA PayBill Tariff Charges
| Transaction Bands | |
| Min | Max |
| 1 | 49 |
| 50 | 100 |
| 101 | 500 |
| 501 | 1,000 |
| 1,001 | 1,500 |
| 1,501 | 2,500 |
| 2,501 | 3,500 |
| 3,501 | 5,000 |
| 5,001 | 7,500 |
| 7,501 | 10,000 |
| 10,001 | 15,000 |
| 15,001 | 20,000 |
| 20,001 | 25,000 |
| 25,001 | 30,000 |
| 30,001 | 35,000 |
| 35,001 | 40,000 |
| 40,001 | 45,000 |
| 45,001 | 50,000 |
| 50,001 | 70,000 |
| 70,001 | 150,000 |
| Business Tariff to M-PESA (B2C) | |
| Current | New |
| 15.27 | 0 |
| 15.27 | 0 |
| 15.27 | 4 |
| 15.27 | 4 |
| 22.4 | 4 |
| 22.4 | 8 |
| 22.4 | 8 |
| 22.4 | 8 |
| 22.4 | 10 |
| 22.4 | 10 |
| 22.4 | 10 |
| 22.4 | 10 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| 22.4 | 12 |
| M-PESA to Business Tariff (C2B) | |
| Current | New |
| 1 | 0 |
| 2 | 0 |
| 23 | 4 |
| 23 | 9 |
| 35 | 14 |
| 35 | 19 |
| 56 | 24 |
| 56 | 33 |
| 85 | 40 |
| 85 | 46 |
| 113 | 55 |
| 113 | 60 |
| 113 | 65 |
| 113 | 70 |
| 113 | 80 |
| 202 | 96 |
| 202 | 100 |
| 202 | 105 |
| 210 | 105 |
| 210 | 105 |
Note:
- Maximum Account Balance is Kshs.300,000
- Maximum daily transaction value is kshs.300,000
- Maximum amount per transaction is Kshs.150,000
- The minimum amount you can withdraw at an M-PESA Agent is Kshs.50
- To initiate M-PESA person to person self-reversal, send the transaction confirmation to 456
- To be able to transact, your Safaricom line and M-PESA account must be active.
- One can deposit funds only into M-PESA account registered under their own identification document (ID). Depositing directly into third party accounts is not allowed.
- You will earn Bonga Points from the M-PESA fee charged when you transact.
- To transact at any M-PESA agent outlet, you will be required to produce your original identification document with which the M-PESA was registered, i.e., National ID or Kenyan Passport
- Dial *334# to view application charges or use M-PESA cost calculator on My Safaricom App